Geico Auto Insurance Discounts

March 4, 2013 4 Comments »
Geico Auto Insurance Discounts

Like all other major (and minor) car insurance companies, Geico offers a slew of discounts to help drivers save money on auto insurance.

And we know if can be difficult sometimes to keep up with the many discounts offered by these companies, what with their ever-changing ad campaigns.

So in an effort to simplify matters, we’ve created lists of discounts for popular insurers, with Geico being the latest installment.

We’ll do our best to add (and subtract) discounts when warranted.


[Compare rates from the leading car insurance companies in your area.]

[You can see auto insurance discounts from 21st Century, Allstate, Esurance, Mercury, and USAA as well.]

List of Geico Auto Insurance Discounts

ABS Discount – if your vehicle has an anti-lock braking system, you may receive 5% off the collision portion of your car insurance costs.

Accident Free Discount – if you’ve avoided an accident for five years, Geico can offer up to 26% on most coverage options.

Air Bags Discount – you can save 25% for driver-side air bags and 40% for full-front seat air bags (this discount applies to med pay or PIP portion of your premium).

Anti-Theft Discount – you can also save up to 25% on the comprehensive portion of your coverage if you’ve got a built-in anti-theft system.

Daytime Running Lights Discount – you may receive a 3% discount simply for having daytime running lights installed on your car.

Defensive Driving Discount – you may be eligible for a discount if you’ve taken part in a Defensive Driving course (we debunked this one already).

Driver’s Education Discount – young drivers may be able to save their parents some money by completing a driver’s education course.

[How much is car insurance for a teen driver?]

Emergency Deployment Discount – Geico offers up to 25% off to those deployed in the Enduring Freedom or Iraqi Freedom campaigns, along with other “imminent-danger zones.”

Federal Employee Discount – active or retired government employees may be eligible for the “eagle discount,” which offers up to 8% off the entire premium.

Good Student Discount – full time students (typically aged between 16 and 25) with a “B” average can get up to 15% off certain coverages.

Military Discount – get up to 15% of your entire premium if active duty or retired military, or a member of the National Guard or Reserves.

Multi-Car Discount – if you insure more than one vehicle with Geico, you can save up to 25% on most of your coverages.

Multi-Policy Discount – if you also purchase Geico Home Insurance or renter’s insurance, you can get a bundling discount.

National Geographic Subscribers – if you subscribe to National Geographic, you may be eligible for additional discounts.

Partnering Organization Discount – if you’re a member of one of 275+ groups, such as alumni organizations, credit unions, fraternity or sorority organizations, or student organizations, you can save an additional 8% off your policy premium.

Seat Belt Discount – get up to 15% off med pay or PIP if you and your passengers always wear your seat belts.

Keep in mind that while discounts are generally a good thing, if you find a lower car insurance premium with a different provider that doesn’t offer discounts, you’re better off going with them.

The final price is what matters, not the discounted rate if it’s still higher than competing offers.

Additionally, these Geico discounts aren’t available in all states or by all Geico companies.

And as noted above, many discounts only apply to small portions of your overall policy premium, so the savings many not be as substantial as they appear.

Read more: How to reduce your car insurance costs.

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4 Comments

  1. Jacque March 13, 2014 at 3:16 pm -

    Even with all the discounts listed my Geico insurance quote was significantly higher than what I received from other companies. No wonder they advertise so much.

  2. John J. March 23, 2014 at 12:32 pm -

    Agree, Geico had lots of discounts but final price left a lot to be desired. Shop.

  3. robby rob June 9, 2014 at 8:52 am -

    I shop around every 6 months, but NO ONE can touch Geico’s prices here in RI.

  4. Kelly S March 1, 2015 at 10:49 pm -

    We’ve saved hundreds. Also have a discount with Forest River with our travel trailer.

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